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Personal Loans

Personal

If you have a financial need beyond what your budget can cover, flexible personal loans are available. Qualified borrowers can benefit from a fixed rate loan, allowing for consistent monthly payments. Take that dream vacation, cover unexpected costs or refinance higher interest debt at a better rate.

Reserve Credit

This credit line is designed to protect you from overdrawing your checking account. When linked to your bankESB account, it will transfer from your available credit to your checking should you have insufficient funds. You may apply for as little as $500 and as much as $3,500.

Collateral Loans

Looking to rebuild or establish credit? With this secured loan option, you can benefit from flexible terms. You can use your bankESB savings account, certificate of deposit (CD) or stocks to secure the loan.

Automobile Loan

Are you ready to purchase a new or used vehicle? We can help you finance a car, truck or SUV of your choice. Choose from flexible terms based on your needs.

Up to 100% financing available for new vehicles

Used vehicles can be financed up to the NADA used car guide's average loan value

Secured by vehicle

Fixed monthly payments

Flexible terms for new and used cars

Automobile Loan

Product Description

Interest Rate

Annual Percentage Rate

Payment per $1,000

New Auto SPECIAL term up to 60 months

2.990%

3.112%

$17.96

New Auto term to 72 Months

6.500%

6.606%

$16.81

Used Auto term to 36 Months

4.250%

4.450%

$29.64

Used Auto term to 48 Months

4.750%

4.902%

$22.92

Used Auto term to 60 Months

4.990%

5.114%

$18.87

Consumer Loan Annual Percentage Rate (APR) quoted above are based on representative $10,000 loan amounts and include vendor single interest insurance. Rates are subject to change without notice. All loan applications subject to credit underwriting and property approval. Automobile loans are limited to a maximum of 100% loan-to-value on new cars and up to the "average loan amount" as shown in the NADA Blue Book for Used cars. Comprehensive insurance required on car loans. Contact bankESB for specific details.